UMnu uSifiso Nkosi, inhloko yeStokvels and Group Savings eFNB

Isithombe: Sithunyelwe

Kucetshiswa izitokfela ngendlela ephephile yokukhipha imali ukuze zigweme ukuba wukudla kwamaqola. INTATHELI YOMBELE iyabika

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AMAHOLIDI kaKhisimusi aseqalile kanti ezinye zezinto ezijwayelekile ngalesi sikhathi wukuhlukanisa izitokfela. Abanye bazihlukanisa ngasekuqaleni kukaDisemba kanti abanye bazihlukanisa ekupheleni kwawo ngoba imali basuke beyongela izidingo zikaJanuwari nokuvula kwezikole.

Nokho izinswelaboya azizibeki phansi ngokucathamela amalungu ezitokfela, nokungakho abazidlalayo kufanele baqaphele uma bekhipha imali. 

UMnu uSifiso Nkosi iNhloko yeStokvels and Group Savings eFNB ucebisa abezitokfela ngezindlela eziphephile zokuhlukanisa imali. Nazi ezinhlanu:

  1. Sebenzisa izindlela eziphephile zobuchwepheshe

Yize ningakwazi ukuyikhipha imali ibe wukheshi kodwa hlelani ukuthi imali ifakwe kwi-akhawunti yomuntu ngamunye, kunokuyilanda iwukheshi. Yindlela ephephile kunokukhipha isamba esikubeka engozini ngezindlela eziningi.

  1. Ungayikhiphi kanyekanye imali

 Ungayikhiphi kanyekanye yonke imali. Hlukanisa ukuyikhipha ngezinsuku noma ngamasonto ukuqinisekisa ukuthi iphephile. Gwema ukukhipha imali ngezinsuku eziyingozi kakhulu njengasekupheleni kwenyanga, ebusuku, ezindaweni eziphithizelayo nasemishinini yokukhipha imali. 

  1. Ukuphepha nokuzivikela

Qinisekisa ukuthi abanegunya lokukhipha imali abahambi bodwa ukuze bangayiphathi bodwa imali futhi kungabi lula ukuthi babanjwe inkunzi. Ungamemezeli ezinkundleni zokuxhumana ukuthi nizokhipha imali futhi ungazifaki izithombe zemali ngoba loko kungenza izigebengu zikucathamele. 

  1. Hlela ukuthi uzoyisebenzisa kanjani imali oyongile

Qinisekisa ukuthi usebenzisa kahle imali oyongile. Akuve kubuhlungu ukusebenzisa imali noma kanjani. Kungcono ukuhlelele ukuthi uzoyisebenzisa kanjani imali oyisebenzele kanzima ngokuhlukanisa izidingo nokufunayo. Kubalulekile ukukhumbula ukuthi amaholidi made nokuthi iningi labantu lizoze liphinde lihole ekupheleni kukaJanuwari. 

  1. Cela usizo uma uludinga

Uma ungenasiqiniseko sokuphatha imali oyithole esitokfeleni, xhumana nomeluleki wezezimali. Bazi kangcono ukuthi iyiphi indlela efanele yokusebenzisa imali.

“Yisikhathi sokuthi amalungu esitokfela ajabule njengoba abaningi basuke sebevuna abakutshalile unyaka wonke. Abazokhipha imali sibagqugquzela ukuthi bakwenze ngendlela ehlelekile nephephile,” kuphetha uNkosi.

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